The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$28,644
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,535
−HK$905/mo
Today · 4.125%
HK$30,440
baseline
▲ 0.50% · 4.625%
HK$32,293
+HK$1,853/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,880/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$471,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,866
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,721
−HK$867/mo
Today · 4.125%
HK$33,588
baseline
▲ 0.50% · 4.625%
HK$35,358
+HK$1,770/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,176/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$471,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,373
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,442
−HK$1,086/mo
Today · 4.125%
HK$36,528
baseline
▲ 0.50% · 4.625%
HK$38,751
+HK$2,223/mo
Deposit HK$5.02M · loan HK$7.54M · min. income ≈ HK$73,056/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,240
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,265
−HK$1,041/mo
Today · 4.125%
HK$40,306
baseline
▲ 0.50% · 4.625%
HK$42,430
+HK$2,124/mo
Deposit HK$5.02M · loan HK$7.54M · min. income ≈ HK$80,612/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,102
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,349
−HK$1,267/mo
Today · 4.125%
HK$42,616
baseline
▲ 0.50% · 4.625%
HK$45,210
+HK$2,594/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$85,232/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,613
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,809
−HK$1,214/mo
Today · 4.125%
HK$47,023
baseline
▲ 0.50% · 4.625%
HK$49,502
+HK$2,479/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$94,046/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,559
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$53,163
−HK$1,630/mo
Today · 4.125%
HK$54,793
baseline
▲ 0.50% · 4.625%
HK$58,127
+HK$3,334/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$109,586/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,359
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,898
−HK$1,560/mo
Today · 4.125%
HK$60,458
baseline
▲ 0.50% · 4.625%
HK$63,645
+HK$3,187/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$120,916/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,068 · Scale 2, in force from 26 Feb 2026)